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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,653 | $148,623-70.0% | $135,974-67.2% | $139,466-68.0% |
| Participation rate | 41.2% | 83.9%-42.7pp | 81.9%-40.7pp | 80.3%-39.2pp |
| Annual return | 21.41% | 79.30%-57.9pp | 68.30%-46.9pp | 373.66%-352.3pp |
| Employer contribution / active EE | $1,202 | $5,246-77.1% | $4,859-75.3% | $4,754-74.7% |
| Participant deferral / active EE | $3,740 | $8,103-53.8% | $7,760-51.8% | $6,712-44.3% |
| Admin fee / account holder | $395 | $12,406-96.8% | $10,767-96.3% | $11,409-96.5% |